Protect your oasis of peace.
Unlike your primary residence, you do not live in your cottage all year round. That’s why your coverage will be determined by the amount of time you spend there. But there are other elements to consider, such as its value, its location, or the value of your belongings inside the house.
Second home or seasonal residence? What’s your reality?
Do you have a three-season cottage located near a lake? Deep in the woods? A condo at the foot of the ski slopes? A small country house? Do you go there all year long or do you use it seasonally?
When determining the value of your second home, we do not consider the price you paid for it. We also do not consider the municipal assessment. You have to estimate what it would cost you to rebuild it if it were completely destroyed.
Are you renting out your cottage?
In the case of a rental cottage, there are other elements to consider. In fact, insurance contracts generally exclude professional activities in a residence. Renting is one of those activities. If you choose to rent out your cottage, choose an insurer that specializes in this field.
Above all, don’t hide your activity from your insurer, because in the event of a claim, you won’t benefit from any protection. And keep in mind that your broker is there to answer all your questions!
Depending on how you use your vacation home, basic coverage may be ideal for you.
To cover damages that could be caused to a third party in case of an incident on your property.
Theft, fire and vandalism
Get peace of mind with coverage against theft, fire, and vandalism.
Different realities? Different options!
Depending on your reality and your risk tolerance, you may want to upgrade your coverage. You can add options to your basic coverage.
Legal protection option
This additional protection is ideal for legal concerns.
Water damage option
To protect you in the event of damage caused by a broken water inlet or overflow, a leak or accidental sewer backup.
Natural disaster option
This option protects you from damage caused by wind, lightning, tornadoes, etc.
Want to protect your garage or your shed? This option is the right choice.
Will the cost of my cottage insurance change depending on my usage?
Yes, depending on whether you are a year-round or seasonal user, your coverage will differ and so will the premium.
Do I have to insure my cottage or my second home?
No. Unlike auto insurance, which is mandatory, you are not required by law to insure any type of home. But without insurance, the losses could be considerable in the event of a disaster. Protecting your cottage and its contents is a preventative measure. In addition, if you have a mortgage, your financial institution will often require you to have home insurance.
Simply excellent service!
Professional and efficient brokers!